After a zillion years of using my Digital Credit Union (DCU) card, and thinking that they reimburse me for surcharges from other banks’ Automatic Teller Machines (or ATMs) because I have direct deposit, I learned that they only reimburse up to $5 a month for this!
The answer: If you are not at a DCU ATM (who is? I never am!) then get your cash at the register when you make a purchase.
Actually, now that I am typing this, I seem to remember Sally buying gum and getting cash. Did she already know this???